Debt Consolidation Mortgage Leads
Debt consolidation mortgage leads
Debt consolidation mortgage leads are homeowners who want a cash-out refinance to pay off credit cards and other debts. Mortgage Leads Co sells them in real time to licensed loan officers, brokers and lenders for $13–$50 per lead, priced on the cash-out refinance rate card, with no contracts. We are not a lender.
Last updated October 25, 2026
Key facts about Mortgage Leads Co
- Mortgage Leads Co is a marketplace where loan officers, brokers and lenders buy mortgage leads; it is not a lender, mortgage broker or loan originator.
- Lead types sold: Purchase, Refinance, Cash-Out, DSCR, Home Equity, Reverse, Home Seller, aged leads and live transfer calls.
- An exclusive lead is sold to exactly one buyer; a shared lead is sold to a maximum of three buyers.
- Real-time leads can be returned within 72 hours for approved reasons and are credited back to the buyer's wallet.
- There are no contracts or setup fees; buyers prepay a wallet and pay only for leads delivered.
- Wallet packs are available at $250, $500, $1,000, $2,500.
- Leads are available in all 50 states plus Washington, DC, and routing only sends borrowers from the buyer's licensed states.
- Every lead includes consent documentation: consent text, a timestamp, an IP address and a TrustedForm or Jornaya certificate where captured.
What's included in every debt consolidation lead?
Each debt consolidation lead includes the requested cash-out amount, the stated purpose of funds, current loan balance, property value and LTV, plus employment and credit tier.
- Cash-out amount
- Loan balance
- Property value & LTV
- Purpose of funds
- Credit tier
- Employment
- Name, phone, email
- TCPA consent + certificate
- Loan purpose
- Cash-out refinance
- Loan amount
- $385,000
- Property value
- $540,000 · 71% LTV
- Credit tier
- Good (680+)
- State
- Michigan · Oakland Co.
- Timeframe
- Ready now
Other names for these leads
debt consolidation refinance leads · debt consolidation refi leads
Debt consolidation refinance leads and debt consolidation refi leads mean the same thing: a homeowner who wants a cash-out refinance and said the money is for paying off credit cards or other loans. They are priced on the cash-out refinance line of the rate card. They are not debt-relief or debt-settlement leads, which are consumers without home equity looking to negotiate what they owe.
How much do debt consolidation mortgage leads cost?
Debt Consolidation Mortgage Leads start at $13 per lead.
Cash-Out Refinance Live Transfer
Live callScreened to your filters
per billable call
Billed only on connected calls lasting 90+ seconds.
Request accessExclusive Cash-Out
Excellent / Good credit (680+)
per lead
Sold to you only, delivered in real time.
Sign upFull price table
| Lead type | Excellent / Good 680+ | Fair 620–679 | Poor <620 |
|---|---|---|---|
| Purchase | $45 exclusive $22 shared | $30 exclusive $14 shared | $18 exclusive $8 shared |
| Refinance (rate/term) | $45 exclusive $22 shared | $32 exclusive $18 shared | $24 exclusive $12 shared |
| Cash-Out Refinance | $50 exclusive $20 shared | $32 exclusive $18 shared | $22 exclusive $13 shared |
| DSCR (investor) | $55 exclusive · $30 shared · all credit tiers | ||
| Home Equity / HELOC | $12 exclusive $6 shared | $12 exclusive $6 shared | $7 exclusive $4 shared |
| Reverse Mortgage (62+) | $55 exclusive · $28 shared · all credit tiers | ||
| Home Seller (exclusive only) | ASAP $45 · Within 3 months $28 · 3+ months / no rush $14 · by selling timeframe | ||
Live transfer calls
Borrowers screened to your filters, transferred to your phone. Billed only after 90 seconds on a connected call.
The fine print, in plain English
- Exclusive: sold one time, to one buyer only.
- Shared: sold to a maximum of 3 buyers.
- Live transfers: billed only for connected calls that pass the 90-second buffer.
- Per-product: prices and available filters are shown for each product above.
- No guarantees: buying leads doesn't guarantee lead volume, contact rates or closed loans.
- Not a lender: Mortgage Leads Co doesn't lend, broker, quote rates or approve loans.
How it works
- 1
Create your account
Sign up in two minutes. No contracts, no setup fees.
- 2
Set your filters
Licensed states, loan type, credit tier, loan amount, LTV and more.
- 3
Fund your wallet
Prepay from $250 and turn on auto-recharge so you never miss a lead.
- 4
Leads arrive in seconds
Delivered to your CRM, email, SMS or webhook the moment a borrower submits.
Debt Consolidation Mortgage Leads by state
Only receive leads in the states where you're licensed.
Start receiving mortgage leads today
Create your account, set your filters and get your first lead in minutes.